BECAFIRE
ActiveSummary
BECAFIRE has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51,722 and a net result of €739. Equity is growing by ~41.9% per year across the filed fiscal years. Its solvency ranks better than 15% of 8160 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-4
Solvency32▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.03 in 2024; short-term debt: 93.5% and cash: 10.3% of total assets), and 93.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 8160 sector peers (2025).
NBB · sector comparisonPosition among 8160 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 14-10-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
106 d late
2023
4 d early
2022
3 d late
2021
4 d late
2020
5 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 12 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 3 November (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close28-09-2026 today31-10-2026 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€51,722▲ 1.4%
2024 · €50,983
Total assets
€794,281▼ 15.6%
2024 · €940,988
Net result
€739▼ 97.5%
2024 · €29,042
Working capital
€32,220▲ 24.5%
2024 · €25,887
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€4,121€32,228€98,949▲ 207%€32,804▼ 66.8%€2,000▼ 93.9%
Net result-€3,786below the sector's middle half€32,685within the sector's middle half€99,981above the sector's middle half▲ 206%€29,042within the sector's middle half▼ 71.0%€739within the sector's middle half▼ 97.5%
Equity-€110,726below the sector's middle half▼ 3.5%-€78,041below the sector's middle half▲ 29.5%€21,940within the sector's middle half€50,983below the sector's middle half▲ 132%€51,722below the sector's middle half▲ 1.4%
Total assets€95,821within the sector's middle half▼ 56.7%€396,664below the sector's middle half▲ 314%€1.0mabove the sector's middle half▲ 156%€940,988within the sector's middle half▼ 7.5%€794,281within the sector's middle half▼ 15.6%
Debt€206,547▼ 37.0%€474,705▲ 130%€995,174▲ 110%€890,005▼ 10.6%€742,559▼ 16.6%
Working capital-€110,726below the sector's middle half▼ 3.5%-€78,041below the sector's middle half▲ 29.5%-€9,529below the sector's middle half▲ 87.8%€25,887below the sector's middle half€32,220within the sector's middle half▲ 24.5%
Solvency-115.6%below the sector's middle half▼ 67.2pp-19.7%below the sector's middle half▲ 95.9pp2.2%below the sector's middle half▲ 21.8pp5.4%below the sector's middle half▲ 3.3pp6.5%below the sector's middle half▲ 1.1pp
Current ratio0.46below the sector's middle half▼ 0.210.84below the sector's middle half▲ 0.370.99within the sector's middle half▲ 0.151.03below the sector's middle half▲ 0.041.04below the sector's middle half▲ 0.01
Return on assets (ROA)-4.0%below the sector's middle half▼ 8.3pp8.2%within the sector's middle half▲ 12.2pp9.8%within the sector's middle half▲ 1.6pp3.1%within the sector's middle half▼ 6.7pp0.1%within the sector's middle half▼ 3.0pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 94% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €794,281
Fixed assets
€19,502 ▼ 22.3%
Current assets
€774,779 ▼ 15.4%
Equity and liabilities €794,281
Equity
€51,722 ▲ 1.4%
Debt
€742,559 ▼ 16.6%
Debt's share of the balance-sheet total falls from 94.6% to 93.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8,644▼
2024 · €39,178
Cash flow
€7,383▼
2024 · €35,417
Debt to equity
14.36▼
2024 · 17.46
ROE
1.4%▼
2024 · 57.0%
Interest coverage
14.27▼
2024 · 1133.95
Debt ≤ 1 year
€742,559▼
2024 · €890,005
Income taxes
€1,596▼
2024 · €10,489
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,214 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency under 10%
- a profit under 5% of the balance sheet
1.2%
went bankrupt
2.6%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,214 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €402 | €6,374 | €6,644 | ▲ 4.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €29,336 | -€10,846 | -€7,556 | ▲ 30.3% |
| Other operating charges640/8 | - | €464 | €466 | €22,173 | €1,491 | ▼ 93.3% |
| Gross operating margin9900 | -€3,664 | €32,692 | €129,153 | €50,505 | €2,579 | ▼ 94.9% |
| Operating profit (loss)9901 | -€4,121 | €32,228 | €98,949 | €32,804 | €2,000 | ▼ 93.9% |
| Financial income75/76B | - | €503 | €1,123 | €6,762 | €941 | ▼ 86.1% |
| Recurring financial income75 | €418 | €503 | €1,123 | €6,762 | €941 | ▼ 86.1% |
| Financial charges65/66B | - | €45 | €91 | €35 | €606 | ▲ 1,654% |
| Recurring financial charges65 | €83 | €45 | €91 | €35 | €606 | ▲ 1,654% |
| Profit (loss) for the period before taxes9903 | -€3,786 | €32,685 | €99,981 | €39,531 | €2,335 | ▼ 94.1% |
| Income taxes67/77 | - | - | - | €10,489 | €1,596 | ▼ 84.8% |
| Profit (loss) for the period9904 | -€3,786 | €32,685 | €99,981 | €29,042 | €739 | ▼ 97.5% |
| Profit (loss) for the period to be appropriated9905 | -€3,786 | €32,685 | €99,981 | €29,042 | €739 | ▼ 97.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €95,821 | €396,664 | €1.0m | €940,988 | €794,281 | ▼ 15.6% |
| Fixed assets21/28 | - | - | €31,470 | €25,096 | €19,502 | ▼ 22.3% |
| Intangible fixed assets21 | - | - | - | - | €781 | - |
| Tangible fixed assets22/27 | - | - | €31,470 | €25,096 | €18,721 | ▼ 25.4% |
| Furniture and vehicles24 | - | - | €31,470 | €25,096 | €18,721 | ▼ 25.4% |
| Current assets29/58 | €95,821 | €396,664 | €985,645 | €915,893 | €774,779 | ▼ 15.4% |
| Amounts receivable within one year40/41 | €75,859 | €365,360 | €865,280 | €823,056 | €693,339 | ▼ 15.8% |
| Trade receivables40 | - | €171,096 | €599,193 | €483,268 | €346,069 | ▼ 28.4% |
| Other amounts receivable41 | - | €194,264 | €266,087 | €339,788 | €347,270 | ▲ 2.2% |
| Cash at bank and in hand54/58 | €19,962 | €31,304 | €120,365 | €92,836 | €81,440 | ▼ 12.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €95,821 | €396,664 | €1.0m | €940,988 | €794,281 | ▼ 15.6% |
| Equity10/15 | -€110,726 | -€78,041 | €21,940 | €50,983 | €51,722 | ▲ 1.4% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€131,177 | -€98,492 | €1,489 | €30,531 | €31,270 | ▲ 2.4% |
| Amounts payable17/49 | €206,547 | €474,705 | €995,174 | €890,005 | €742,559 | ▼ 16.6% |
| Amounts payable within one year42/48 | €206,547 | €474,705 | €995,174 | €890,005 | €742,559 | ▼ 16.6% |
| Trade debts44 | €175,470 | €447,696 | €995,174 | €725,427 | €586,874 | ▼ 19.1% |
| Suppliers440/4 | - | €447,696 | €995,174 | €725,427 | €586,874 | ▼ 19.1% |
| Taxes, remuneration and social security45 | - | €0 | - | €10,489 | €1,596 | ▼ 84.8% |
| Taxes450/3 | - | €0 | - | €10,489 | €1,596 | ▼ 84.8% |
| Other amounts payable47/48 | - | €27,009 | €0 | €154,089 | €154,089 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,786 | €32,685 | €99,981 | €29,042 | €739 | ▼ 97.5% |
| + Depreciation and write-downs630 | - | - | €402 | €6,374 | €6,644 | ▲ 4.2% |
| Operating cash flow (approximation) | -€3,786 | €32,685 | €100,383 | €35,417 | €7,383 | ▼ 79.2% |
| Investment in fixed assets (approximation) | - | - | - | €0 | -€1,050 | - |
| Change in cash | - | €11,342 | €89,061 | -€27,529 | -€11,396 | ▲ 58.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
14-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 106 days late
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €99,981 ▲206%
Operating result €98,949, net result €99,981, both a record.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
31-03
Financial
Back to profitnet €32,685
Net result €32,685 after one loss-making year.
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Back to profitnet €9,546
Net result €9,546 after one loss-making year.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
07-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
12-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 42 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, De Panne · 1 establishment unit since 1993
Ground area
1.4 ha
Building footprint
7,105 m²
Volume, LiDAR
49,575 m³
2 parcels, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CHEMINEES BERNARD CAILLIAU
since 19932.064.399.431
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38001C0272/00E002 | Flanders | 1.3 ha | 1 · 6,931 m² | 10.1 m · 2 fl. |
| 38352D0183/00_000 | Flanders | 1,311 m² | 1 · 174 m² | 7.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
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Of 4,414 companies in sector 46180 we hold annual accounts for 1,892. 1,361 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-07-1993
Fiscal year end31-03
Activities, NACEBEL 2025
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
46499Wholesale of other household goods
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
47529Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0450617854
Also
9925:BE0450617854
Registered
27-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.